Make room in your budget
Explore a repayment approach that better balances your debt commitments with essential living costs, so you can work towards a more manageable month.
Take control of
your debt.
When more credit is no longer the answer, explore a structured way to repay your debt and move towards a stronger financial future.
One form. Choose debt review, debt mediation, or two assessments.
Repayment optionsExplore a plan that fits your budget
Clear choicesUnderstand two different approaches
Expert guidanceCompare the benefits and trade-offs
A fresh startBuild towards a better financial future
Ready for a fresh start?
Explore your next step, then complete the single booking form below.
Build a stronger financial future
Less pressure.
A clear plan.
A way forward.
Make space for a different future by working towards repaying existing debt, rather than taking on more.
ASSESS
RESTRUCTURE
REPAY
Start with the right information
Your situation.
Your options.
No two people have the same debts, assets or priorities. That is why our assessment form lets you choose the help you want: debt review, debt mediation, or two assessments so you can compare both.
01
Complete one assessment form
Tell us about yourself and whether you have a home loan or vehicle finance. There is only one form to complete, whichever option you choose.
02
Select the assessment you want
Choose debt review, debt mediation, or the option to receive two assessments — one for each route.
03
Review your assessment results
Understand the proposed repayments, costs and conditions. If you choose two assessments, compare both before deciding how to proceed.
A practical path to change
The benefits of debt restructuring.
Make a positive change today, with a clearer plan for your debt and a stronger focus on your future.
Know your way forward
Replace uncertainty with a clearer view of what you owe, what you can afford and the steps towards repaying your debt.
Choose the help that suits you
Choose debt counselling, debt mediation, or an assessment for both. Complete one form and compare your options before deciding.
Get support with the next step
You do not have to work it all out alone. Get guidance to understand your assessment, the proposed repayments and what a plan would mean for you.
Focus on repaying, not borrowing
Work towards resolving existing debt instead of relying on more credit to get through the month. Start building more sustainable money habits.
Work towards a fresh start
Take practical steps towards less financial pressure, settled debts and a healthier relationship with money. Give yourself a clearer goal to work towards.
A structured way forward
Book. Assess. Start your plan.
Book your assessment, explore your options with a debt expert, and take the next step towards a more manageable monthly repayment.
1
Book your assessment
Submit the form to book an assessment. Choose debt counselling, debt mediation, or assessments for both — all through one form.
2
Meet with a debt expert
Take an assessment with a debt expert. If you book both options, you will complete two assessments with two separate companies, so you can compare the plans available to you.
3
Choose your plan and start paying
Select your plan and start paying one reduced monthly repayment under the agreed arrangement. Bring your repayments together without taking on another consolidation loan or adding more credit.
Important: Reduced instalments can extend repayment terms and increase total interest. Payment reductions, concessions and outcomes are subject to assessment and are not guaranteed. Complete the assessment form →
Ready for a fresh start?
Is this for you?
If these situations feel familiar, a debt restructuring assessment can help you understand your options and take the next step.
✓
You are struggling to keep up with repayments
After paying your debt, there is not enough left for everyday essentials. You keep moving money around or delaying payments to get through the month.
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You were declined for a consolidation loan
You wanted to bring your debt into one repayment, but your loan application was declined. You are now looking for help with the debt you already have.
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You want relief from the constant worry
You are tired of sleepless nights, worrying about the next payment and always having to make another plan. You want a clearer way forward.
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You are ready to accept help and make a change
You are ready to speak with a debt expert, consider the help available and commit to a realistic plan to repay your debt, instead of taking on more.
Take the first step at your own pace. Complete one form to book debt counselling, debt mediation, or assessments for both, so you can understand your options before deciding.
“A reset for your finances.
A different future.”
Debt restructuring is a commitment to change. It can help you work towards repaying your debts and rebuilding a healthier relationship with credit — as a useful tool, rather than a way to live beyond your means.
A fresh start.
Once the relevant completion and credit-record requirements are met, you can apply for credit again. Approval still depends on affordability and the lender’s criteria.
Straight answers
Before you begin.
Understand the help available, how to book your assessment, and what to consider before choosing a repayment plan.
What is debt counselling?
Debt counselling, also called debt review, is a formal process under the National Credit Act for people who are over-indebted. An NCR-registered debt counsellor assesses your budget and debts and proposes a repayment plan, generally confirmed by a court order. Eligible home loan, vehicle finance and unsecured repayments may be restructured. Legal protections are conditional on the process and meeting your obligations. It is not a new loan, and access to new credit is restricted.
What is debt mediation?
Debt mediation involves asking a specialist to negotiate voluntary repayment arrangements with your creditors outside statutory debt review. Each creditor must agree to the proposed terms. The service described here focuses on unsecured debt; home loan and vehicle finance payments remain outside the arrangement. It has no debt-review court order and does not provide statutory debt-review protection. If you default, creditors may take enforcement action. It is not an NCR-approved substitute for debt counselling.
Can I get help if my consolidation loan was declined?
Yes, you can book an assessment to explore help with your existing debt. A declined loan does not mean there is nothing left to consider. The debt expert will look at your income, essential expenses and repayments to assess what may be workable. Booking an assessment does not guarantee that a particular plan or reduction will be available.
How do I book both assessments?
Complete the single form on this page and select “Two assessments (compare both)”. You will then take two assessments with two separate companies: one for debt counselling and one for debt mediation. Compare their proposed payments, fees and conditions before deciding. You only submit one booking form, and you are not signing up for two repayment plans.
Is debt restructuring another consolidation loan?
No. A consolidation loan uses new credit to pay off existing accounts. Debt restructuring seeks a different repayment arrangement for debt you already owe. It is a way to work towards more manageable payments without stacking another loan on top of your debt. Your existing debts still need to be repaid.
Will I make one reduced monthly repayment?
The aim is to agree a manageable repayment plan, which may bring the included debts into one monthly payment for distribution to creditors. Your assessment will confirm the amount, which accounts are included and how payments are handled. Accounts outside the plan must still be paid separately. Reductions depend on the arrangement; a longer repayment period can increase total interest.
Does booking an assessment commit me to a plan?
The form books the assessment you have selected; it is not itself an agreement to enter a repayment plan. Ask each company to explain its assessment process, fees and any documents you are asked to sign. A formal debt-review application has legal consequences, so understand the difference between booking a consultation and applying for debt review before proceeding.
Can I keep using credit while repaying my debt?
Debt review legally restricts new credit. Voluntary mediation does not create that same statutory restriction, although the agreed terms may restrict further borrowing. Both options are intended to help you repay existing debt. Be prepared to change the borrowing habits that have kept you under pressure.
Will I be able to apply for credit again?
Debt restructuring does not mean giving up credit forever. After the relevant completion and credit-record requirements are met, you can apply again, subject to affordability and lender criteria. Debt-review clearance may be possible with a qualifying, up-to-date home loan remaining. Mediation has no equivalent statutory clearance certificate; ask how settled accounts will be updated. Future approval is not guaranteed.
How much will the assessment and repayment plan cost?
Ask the company for a written breakdown of assessment, service, legal and payment-distribution fees that apply, before agreeing to proceed. If you book both assessments, check each company’s fees separately. Compare the full repayment cost and term as well as the monthly instalment.
What if I cannot keep up with the agreed payments?
Contact the company managing your plan as soon as you expect a problem. Do not stop or reduce payments without discussing the consequences. Default may put a debt-review arrangement at risk. Mediation has no statutory debt-review protection, and creditors retain their enforcement rights. Ask about missed-payment consequences during your assessment.
One form. Your choice.
Start your debt restructuring assessment.
Complete this form once. Select debt review, debt mediation, or two assessments to compare both. The team will contact you to guide you through the assessment you have requested.
✓ One form to complete ✓ Three assessment choices ✓ Compare before deciding